Senior Relationship Officer
Abu Dhabi Commercial Bank
Total years of experience :13 years, 6 Months
Relationship Officer -Consumer Loans, ADCB, Abu Dhabi, UAE (December 2017 - Till Date)
• Working as Relationship Officer (Consumer Loans Dept.) at Abu Dhabi Commercial Bank since December 2017.
• Currently handing Multi products like :
o Sourcing loans for Self Employed Customers
o Sourcing High value New to bank Business customers for their Business Transaction Accounts and Fixed Deposits
o Generating leads for the Excellency Department for onboarding High Net Worth Individual Customers with minimum Relationship Size of AED 500K
• Listing of companies for providing Employee Banking Solutions starting from Salary Accounts to other Retail Banking Products like Personal loans, Credit cards and Auto Loans
• Ensuring ADCB Service Standards are maintained to generate Loyalty towards ADCB among all customers
• Working closely with Compliance team while onboarding any New To Bank Customer
• Manage the pipeline of opportunities to achieve sales targets of Personal loans and Credit cards.
• Weekly review of sales funnels with top management.
• Exploring new business possibilities with existing clients.
• A strong commitment to customer service.
• Developing new ideas to achieve sales growth. Interact regularly with the clients to ensure a committed and partnership based relationship.
• Managing team of sales, support and back office team.
• Conducting Kiosk activities in various malls across the Emirate.
•Ensure timely and error free processing of financial transactions i.e. incoming, direct debit, debit and credit card settlements and payment collection.
•Assist Head of cards with special assignments and projects if and when required.
•Providing replacement of Debit and Credit cards from requests that come from Call Center, Transmonitoring and Branch Requests.
•Inputting new debit cards- Debit Card Management System (DCMS) for accounts that are newly opened.
•Cancellation of Credit and Debit cards upon customer requests or uncollected cards from branches.
•Processing VISA files for payment collection from VISA Portal along with payment file of Credit Cards and ensuring daily files are received, processed and settled in time without errors.
•Embossing of both Credit and Debit cards which are issued in card center on daily basis.
•Dispatches of cards produced on daily basis to the respective branches upon customer request and coordinate with branches in regards with Card and PIN delivery.
•Ensure daily payments and adjustments are posted and verified before EOD.
•Review of card processes with the policy and procedures; recommend changes and improvements wherever required.
•Achieving the agreed monthly and quarterly Business Finance lending volumes.(Core product)
•Assessing credit worthiness of client companies.
•Building and maintaining the Assets portfolio (Business Finance and LC Murabaha).
•Providing Service solutions for existing clients (Day to day service requirements).
•Financial analysis and business model preparation for new Client.
•Account statement performance of the company.
•Structuring facilities- Clean exposure, Security margin, whether upfront FD buildup or cash margin on utilization.
•Preparing credit assessment sheet reflecting all the company details, financial details, bank statement analysis, Collateral requirements etc.
•Clearing the banks standard formats by Legal Department or an external legal advisor to ensure validity, accuracy and consistency with the laws of United Arab Emirates.
•Monthly meetings with product development, Credit Risk and compliance team in order to resolve any pending issues and /or to enhance the existing products of ALHILAL bank.
•Preparing Credit proposal (business finance) and spreading of financial/Bank statements.
•Managing the credit risk associated with the portfolio and ensuring high quality of the portfolio.
In partnership with the relationship manager, ensure timely identification of accounts to be put in Risk Alert as per the bank's policies and guidelines. Where appropriate, assist in the investigation of financial crime risks and the reporting of suspicious activities.
Marketing of Business Accounts, Facilities (Trade Finance) and Business Loan to business organizations
Marketing and business analysis for customers based on requirements of clients and also retention and satisfaction of customers after delivery of a project
MBA (MG University) from Saint Gits Institute of Management- Dual Specialization Finance & Marketing
